{"id":9344,"date":"2023-11-09T06:43:13","date_gmt":"2023-11-09T06:43:13","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=9344"},"modified":"2024-09-18T10:50:56","modified_gmt":"2024-09-18T10:50:56","slug":"arac-kasko-degeri-nasil-belirlenir","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/arac-kasko-degeri-nasil-belirlenir\/","title":{"rendered":"Arac\u0131m\u0131n Kasko De\u011feri Neye G\u00f6re Belirlenir?"},"content":{"rendered":"\n

Arac\u0131n\u0131z\u0131 olas\u0131 risklere kar\u015f\u0131 g\u00fcvence alt\u0131na alman\u0131n yolu kasko sigortas\u0131ndan ge\u00e7iyor. Kasko sigortas\u0131 yapt\u0131rarak olas\u0131 bir kaza veya ar\u0131za sonucunda ortaya \u00e7\u0131kan maddi zarar\u0131n\u0131z\u0131 sigorta arac\u0131l\u0131\u011f\u0131 ile kar\u015f\u0131layabilirsiniz. Ancak sigorta \u015firketi taraf\u0131ndan yap\u0131lan bu \u00f6demenin hasar\u0131n\u0131z\u0131 kar\u015f\u0131lamas\u0131 i\u00e7in sigorta poli\u00e7esini olu\u015ftururken arac\u0131n kasko de\u011ferini do\u011fru bir \u015fekilde hesaplaman\u0131z gerekli. Peki, arac\u0131n kasko de\u011feri nedir ve nas\u0131l hesaplan\u0131r, biliyor musunuz?<\/p>\n\n\n\n\n\n\n\n

O halde arac\u0131n\u0131z i\u00e7in kasko poli\u00e7esi d\u00fczenlenirken kar\u015f\u0131n\u0131za \u00e7\u0131kan ve sigorta teminat tutar\u0131n\u0131 etkileyen kasko de\u011feri kavram\u0131 ile tan\u0131\u015fman\u0131n zaman\u0131 geldi.<\/p>\n\n\n\n

Ara\u00e7 Kasko De\u011feri Nedir?<\/strong><\/h2>\n\n\n\n

Ara\u00e7 piyasas\u0131nda farkl\u0131 tipte, modelde, \u00f6zellikte pek \u00e7ok ara\u00e7 vard\u0131r. Her arac\u0131n da modeline, \u00fcretim y\u0131l\u0131na ve ara\u00e7 tipine g\u00f6re ortalama bir piyasa de\u011feri bulunur. Ancak piyasa de\u011feri, arac\u0131n sat\u0131\u015f fiyat\u0131ndan farkl\u0131 olabilir. \u00d6rne\u011fin 2015 y\u0131l\u0131nda 100.000 TL\u2019ye ald\u0131\u011f\u0131n\u0131z bir arac\u0131n 2023 y\u0131l\u0131ndaki piyasa de\u011feri, ekonomik fakt\u00f6rlerden dolay\u0131 200.000 TL olarak belirlenebilir. \u00c7\u00fcnk\u00fc ara\u00e7 piyasas\u0131ndaki y\u0131llara g\u00f6re fiyat dalgalanmalar\u0131, ara\u00e7 piyasa de\u011ferini etkiler.<\/p>\n\n\n\n

Buna ek olarak arac\u0131n kilometresi, hasar\u0131 gibi fakt\u00f6rler de ara\u00e7 piyasa de\u011ferini etkileyen unsurlard\u0131r. \u0130\u015fte, t\u00fcm bunlar g\u00f6z \u00f6n\u00fcne al\u0131narak arac\u0131n mevcut piyasadaki de\u011ferinin belirlenmesine ara\u00e7 kasko de\u011feri denir. <\/p>\n\n\n\n

Kasko poli\u00e7esi olu\u015fturulurken arac\u0131n kasko de\u011ferine g\u00f6re bir sigorta fiyat\u0131 \u00e7\u0131kar\u0131l\u0131r. Bu fiyat kapsam\u0131nda ise bir hasar sonucunda sigorta \u015firketi taraf\u0131ndan sigortal\u0131ya \u00f6deme yap\u0131l\u0131r. Bu nedenle ara\u00e7 kasko de\u011ferine, arac\u0131n piyasa de\u011ferine g\u00f6re sigorta \u015firketinin \u00f6deyece\u011fi tutar diyebiliriz.<\/p>\n\n\n\n

Ara\u00e7 Kasko De\u011feri Nas\u0131l Hesaplan\u0131r?<\/strong><\/h2>\n\n\n\n
\"Ara\u00e7<\/figure>\n\n\n\n

Bir arac\u0131n kasko de\u011ferini etkileyen pek \u00e7ok unsur bulunur. Modeli, \u00fcretim y\u0131l\u0131, ara\u00e7 tipi, hasar\u0131, kilometresi, bu unsurlardan sadece baz\u0131lar\u0131. Peki, bu kadar fakt\u00f6re g\u00f6re ara\u00e7 kasko de\u011feri tam olarak nas\u0131l hesaplan\u0131r? Asl\u0131nda bunun i\u00e7in kalem kalem bir hesaplama yapmak yerine g\u00fcncel verilerden yard\u0131m al\u0131n\u0131r. <\/p>\n\n\n\n

Bir sigorta \u015firketi, ara\u00e7 kasko de\u011ferini belirlerken T\u00fcrkiye Sigortalar Birli\u011fi taraf\u0131ndan olu\u015fturulan Kasko De\u011fer Listesi<\/a>\u2019ni baz al\u0131r. \u00c7\u00fcnk\u00fc Kasko De\u011fer Listesi \u00fczerinden farkl\u0131 marka, model ve \u00fcretim y\u0131l\u0131ndaki ara\u00e7lar\u0131n g\u00fcncel piyasa de\u011ferlerine ula\u015f\u0131labilir. Her ay g\u00fcncellenen bu liste sayesinde kasko poli\u00e7esi olu\u015fturulurken arac\u0131n kasko de\u011feri \u00e7\u0131kar\u0131l\u0131r. <\/p>\n\n\n\n

Ancak \u015funu belirtelim: Kasko De\u011fer Listesi\u2019nde 15 ya\u015f\u0131na kadar olan ara\u00e7lar\u0131n kasko de\u011ferlerine dair bilgi yer al\u0131r. Peki, listede yer alan maksimum 15 ya\u015f\u0131ndaki ara\u00e7lar d\u0131\u015f\u0131ndaki ara\u00e7lar\u0131n kasko de\u011feri nas\u0131l belirlenir? Bunun i\u00e7in ithalat\u00e7\u0131 ve imalat\u00e7\u0131 firmalar\u0131n fiyat listeleri, ikinci el ara\u00e7 satan bayilerde veya internet sitelerinde bulunan fiyatlar gibi farkl\u0131 kaynaklara bakmak gerekir.<\/p>\n\n\n\n

Kasko De\u011feri Belirlenirken Nelere Dikkat Edilmelidir?<\/strong><\/h2>\n\n\n\n

Kasko De\u011fer Listesi veya farkl\u0131 kaynaklar arac\u0131l\u0131\u011f\u0131yla arac\u0131n kasko de\u011feri i\u00e7in bir referans bedeli ortaya \u00e7\u0131kar. Bu referans ise arac\u0131n modeline, \u00fcretim y\u0131l\u0131na ve ara\u00e7 tipine g\u00f6re belirlenir. Ancak araca sonradan eklenen aksesuar ve yedek par\u00e7alar da kasko de\u011ferini etkiler. <\/p>\n\n\n\n

K\u0131sacas\u0131 Kasko De\u011fer Listesi\u2019nde yer alan fiyatlar, kasko de\u011feri hesaplan\u0131rken temel al\u0131nan tutarlard\u0131r. Ancak bu tutarda, araca sonradan eklenen aksesuarlara g\u00f6re de\u011fi\u015fim olabilir.<\/p>\n\n\n\n

Ara\u00e7 Kasko De\u011feri Sigorta D\u0131\u015f\u0131nda Ba\u015fka Hangi Alanlarda Kullan\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n
\"Ara\u00e7<\/figure>\n\n\n\n

Kasko de\u011feri hesaplamada da belirtti\u011fimiz gibi sigorta poli\u00e7esi olu\u015fturulurken arac\u0131n de\u011ferini \u00e7\u0131karmak i\u00e7in Kasko De\u011fer Listesi ve farkl\u0131 kaynaklar dikkate al\u0131n\u0131r. Ancak kasko de\u011feri i\u00e7in yap\u0131lan bu inceleme, ba\u015fka alanlarda da kullanabilir. \u00d6rne\u011fin arac\u0131n rayi\u00e7 bedelini belirlemek i\u00e7in yine kasko de\u011fer listesine ve di\u011fer kaynaklara bak\u0131labilir. Peki, rayi\u00e7 bedel nedir?<\/p>\n\n\n\n

Vergi Usul Kanunu\u2019nun 266. maddesinde rayi\u00e7 bedel, \u201cbir iktisadi k\u0131ymetin de\u011ferleme g\u00fcn\u00fcndeki normal al\u0131m sat\u0131m de\u011feri<\/em>\u201d olarak tan\u0131mlan\u0131r. Bu tan\u0131ma g\u00f6re bir arac\u0131n piyasaya g\u00f6re al\u0131m sat\u0131m bedeline rayi\u00e7 bedel diyebiliriz.<\/p>\n\n\n\n

Yani bir ara\u00e7 almak istedi\u011finizde ya da arac\u0131n\u0131z\u0131 satmak istedi\u011finizde arac\u0131n rayi\u00e7 bedelini \u00e7\u0131karman\u0131z gerekir. Bunun i\u00e7in de t\u0131pk\u0131 arac\u0131n kasko de\u011ferini belirlemek i\u00e7in yapt\u0131\u011f\u0131n\u0131z gibi Kasko De\u011fer Listesi\u2019nden arac\u0131n markas\u0131, model y\u0131l\u0131 ve ara\u00e7 tipine g\u00f6re kasko bedelini \u00e7\u0131karmal\u0131s\u0131n\u0131z. <\/p>\n\n\n\n

Sonu\u00e7 olarak ara\u00e7 kasko de\u011feri, piyasa fiyatlar\u0131na g\u00f6re arac\u0131n bedelini belirlemek i\u00e7in olduk\u00e7a \u00f6nemli. Sigorta poli\u00e7enizde arac\u0131n\u0131za uygun bir bedel belirlenmedi\u011fi takdirde hasar an\u0131nda alaca\u011f\u0131n\u0131z sigorta bedeli eksik olabilir ya da gere\u011finden fazla prim \u00f6demesi yapmak zorunda kalabilirsiniz. K\u0131sacas\u0131 eksik sigorta ve a\u015fk\u0131n sigorta<\/a> sorunlar\u0131 ile kar\u015f\u0131la\u015fabilirsiniz. Bu nedenle kasko poli\u00e7esi olu\u015ftururken ara\u00e7 de\u011ferini do\u011fru belirlemekte ve mevcut poli\u00e7enizde belirlenen de\u011feri d\u00fczenli olarak kontrol etmekte fayda var. <\/p>\n\n\n\n

Siz de arac\u0131n\u0131z\u0131n kasko de\u011ferine g\u00f6re en uygun kasko sigorta poli\u00e7esini olu\u015fturmak isterseniz hemen kasko teklif sayfam\u0131z\u0131<\/a> ziyaret edebilir ve k\u0131sa s\u00fcre i\u00e7erisinde kasko poli\u00e7enizi olu\u015fturabilirsiniz. <\/p>\n\n\n\n

MAPFRE Sigorta<\/p>\n","protected":false},"excerpt":{"rendered":"

Kasko sigorta yapt\u0131r\u0131rken sigorta teminat\u0131n\u0131 etkileyen ara\u00e7 kasko de\u011feri hakk\u0131nda t\u00fcm merak edilenleri \u00f6\u011frenmek i\u00e7in t\u0131klay\u0131n. <\/p>\n","protected":false},"author":3,"featured_media":9346,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,887],"tags":[911,914],"class_list":["post-9344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-otomobil","category-yasa","tag-oto-yasam","tag-yol-asistani"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/9344","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=9344"}],"version-history":[{"count":4,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/9344\/revisions"}],"predecessor-version":[{"id":9373,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/9344\/revisions\/9373"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/9346"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=9344"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=9344"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=9344"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}